Updated March 2026
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What Affects Rates in Ann Arbor
- The State Street and South University corridors experience heavy pedestrian and vehicle traffic during academic terms, leading to higher collision frequency. Parking density near Michigan Stadium on game days compounds risk. Drivers with addresses in the 48104 and 48105 zip codes typically pay 12–18% more than those in northern Ann Arbor.
- US-23 and I-94 serve as primary commuter routes to Detroit Metro and Lansing, with heavy rush-hour traffic. The I-94/US-23 interchange sees frequent multi-vehicle accidents during winter weather. Comprehensive coverage claims spike along these corridors due to deer strikes, particularly in fall months near the Huron River corridor.
- Ann Arbor reports above-average theft rates for a city its size, concentrated in areas near campus and along Washtenaw Avenue. Honda Accord and Civic models are most frequently targeted. Neighborhoods west of Main Street and near Briarwood Mall see lower theft activity.
- Lake-effect snow from Lake Erie creates hazardous driving conditions December through March, with average snowfall of 58 inches. Roads like Plymouth Road and Geddes Avenue become particularly treacherous during ice events. Collision claims increase 22% during winter months compared to summer.
- Washtenaw County's uninsured motorist rate sits near 12%, slightly below Michigan's average but still significant. The transient student population and proximity to Ypsilanti's higher uninsured rates create coverage gaps. UM/UIM coverage is particularly relevant for commuters on US-23.
Coverage Options
Cost estimates are based on available industry data and vary by driver profile. These are not insurance quotes.
Covers injury and property damage you cause to others, required in Michigan.
Combines liability, collision, and comprehensive for complete protection.
Covers theft, vandalism, weather damage, and animal collisions.
Pays for damage to your vehicle after an accident, regardless of fault.
Protects you when hit by a driver without insurance.
Liability Insurance
Essential for navigating Ann Arbor's congested State Street corridor and high pedestrian zones near campus where at-fault accidents are costly.
$850–$1,200/yearEstimated range only. Not a quote.
Full Coverage
Recommended for commuters on US-23 and I-94 where multi-vehicle accidents and deer strikes are common, especially if financing a vehicle.
$1,850–$2,400/yearEstimated range only. Not a quote.
Comprehensive Coverage
Addresses Ann Arbor's elevated vehicle theft rates near campus and frequent deer strikes along the Huron River corridor.
$320–$480/yearEstimated range only. Not a quote.
Collision Coverage
Valuable given winter ice conditions on Plymouth Road and high-traffic game days when parking lot incidents spike.
$580–$820/yearEstimated range only. Not a quote.
Uninsured Motorist
Important with Washtenaw County's 12% uninsured rate and proximity to areas with higher coverage gaps.
$180–$280/yearEstimated range only. Not a quote.